Primary, Secondary, & Christmas Club Savings

Rates effective 07/01/2017
Balance Rate APY
$0 - $999 0.10% 0.10%
$1,000+ 0.15% 0.15%

*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings. The minimum balance required to open a Primary Savings account is $10.00.

Crimson Checking

Rates effective 07/01/2017
Balance Rate APY
$0 - $4,999 0.10% 0.10%
$5,000 - $9,999 0.10% 0.10%
$10,000 - $19,999 0.15% 0.15%
$20,000 - $49,999 0.15% 0.15%
$50,000 - $99,999 0.20% 0.20%
$100,000+ 0.25% 0.25%

*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings. Crimson Checking is subject to a $7 monthly maintenance fee if the balance drops below $1,000 during the month or the combined share balances drop below $25,000.

Business Money Market Checking

Rates effective 07/01/2017
Balance Rate APY
$0 - $4,999 0.10% 0.10%
$5,000 - $9,999 0.10% 0.10%
$10,000 - $19,999 0.15% 0.15%
$20,000 - $49,999 0.15% 0.15%
$50,000 - $99,999 0.20% 0.20%
$100,000+ 0.25% 0.25%

*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings.

Money Market Accounts

Rates effective 07/01/2017
Balance Rate APY
Less than $4,999 0.10% 0.10%
$5,000 - $9,999 0.15% 0.15%
$10,000 - $19,999 0.15% 0.15%
$20,000 - $49,999 0.20% 0.20%
$50,000 - $99,999 0.25% 0.25%
$100,000 - $149,999 0.30% 0.30%
$150,000 - $499,999 0.35% 0.35%
$500,000+ 0.40% 0.40%

*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings. The minimum balance required to open a Money Market Account is $1,000.

High Yield Money Market Accounts

Rates effective 07/01/2017
Balance Rate APY
$25,000 - $49,999 0.30% 0.30%
$50,000 - $99,999 0.35% 0.35%
$100,000 - $249,999 0.40% 0.40%
$250,000 - $499,999 0.45% 0.45%
$500,000+ 0.50% 0.50%

*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings. Must have a minimum of $25,000 to open a High Yield Money Market Account.

IRA Accounts

IRA Share Certificates

Rates effective 07/01/2017
Term Rate APY
6 months 0.80% 0.80%
12 months 1.29% 1.30%
18 months 1.34% 1.35%
24 months 1.54% 1.55%
30 months 1.64% 1.65%
36 months 1.79% 1.80%
48 months 2.03% 2.05%
60 months 2.52% 2.55%
*APY=Annual Percentage Yield.  Rates are variable and may change after the account is opened.  Fees may reduce earnings.  The minimum opening balance for an IRA Certificate is $500.  You may incur a penalty should you choose to withdraw your money before the completion of the term.

IRA Bump Share Certificates

Rates effective 07/01/2017
Term Rate APY
6 months 0.75% 0.75%
12 months 1.24% 1.25%
18 months 1.29% 1.30%
24 months 1.49% 1.50%
30 months 1.59% 1.60%
36 months 1.74% 1.75%
48 months 1.98% 2.00%
60 months 2.47% 2.50%
*APY=Annual Percentage Yield. Fees may reduce earnings. The minimum balance for a IRA Bump Share Certificate is $500. You will incur a penalty should you choose to withdraw your money before the completion of the term. Rate and bump cannot be applied to previously opened term deposits. Rate increase (bump) must be initiated by member during the term of the deposit. UFCU will not automatically increase the rate on the account and is not responsible for notifying members of rate fluctuations. Bump option can be applied only once during the term. Bump option pertains to the prevailing UFCU term deposit rate and will be in effect for the remainder of the term only. New dividend rate will not be applied retroactively. Offer subject to change. Not available for financial institutions or other institutional investors.

IRA Accumulator Account

Rates effective 07/01/2017
Balance Rate APY
Less than $4,999 0.25% 0.25%
$5,000 - $9,999 0.30% 0.30%
$10,000 - $19,999 0.30% 0.30%
$20,000 - $49,999 0.35% 0.35%
$50,000 - $99,999 0.40% 0.40%
$100,000 - $149,999 0.45% 0.45%
$150,000 - $499,999 0.50% 0.50%
$500,000+ 0.55% 0.55%
*APY=Annual Percentage Yield. Rates are variable and may change after the account is opened. Fees may reduce earnings.

Certificate Accounts

Regular Share Certificates

Rates effective 07/01/2017
Term Rate APY
6 months 0.75% 0.75%
12 months 1.24% 1.25%
18 months 1.29% 1.30%
24 months 1.49% 1.50%
30 months 1.59% 1.60%
36 months 1.74% 1.75%
48 months 1.98% 2.00%
60 months 2.47% 2.50%
*APY=Annual Percentage Yield. Fees may reduce earnings. The minimum opening balance for a Regular Certificate is $500. You may incur a penalty should you choose to withdraw your money before the completion of the term. Not available for financial institutions or other institutional investors.

12-Month Access Share Certificates

Rates effective 07/01/2017
Term Rate APY
12 months 1.09% 1.10%
*APY=Annual Percentage Yield. Fees may reduce earnings. The minimum opening balance for a 12-Month Access Certificate is $500. The 12-Month Access Certificate balance must not fall below $100 in order to keep the Access Certificate account open. You will incur a penalty should you close your account before the completion of the term. Not available for financial institutions or other institutional investors. 12-Month Access Share Certificates available only on consumer accounts.

Regular Bump Share Certificates

Rates effective 07/01/2017
Term Rate APY
6 months 0.70% 0.70%
12 months 1.19% 1.20%
18 months 1.24% 1.25%
24 months 1.44% 1.45%
30 months 1.54% 1.55%
36 months 1.69% 1.70%
48 months 1.93% 1.95%
60 months 2.42% 2.45%
*APY=Annual Percentage Yield. Fees may reduce earnings. The minimum balance for a Regular Bump Certificate Rates is $500. You will incur a penalty should you choose to withdraw your money before the completion of the term. Rate and bump cannot be applied to previously opened term deposits. Rate increase (bump) must be initiated by member during the term of the deposit. UFCU will not automatically increase the rate on the account and is not responsible for notifying members of rate fluctuations. Bump option can be applied only once during the term. The One-time Bump Share Certificate is not automatically renewable. At maturity, the One-time Bump Certificate Account will renew to a Regular Certificate Account with the same term as the original, without a one-time bump option, unless it is withdrawn within the 7-day grace period after maturity. Bump option pertains to the prevailing UFCU term deposit rate and will be in effect for the remainder of the term only. New dividend rate will not be applied retroactively. Offer subject to change. Not available for financial institutions or other institutional investors.

U Save Share Certificates

Rates effective 07/01/2017
Term Rate APY
3-5 months 0.60% 0.60%
6-11 months 0.65% 0.65%
12-17 months 1.14% 1.15%
18-23 months 1.19% 1.20%
24-29 months 1.39% 1.40%
30-35 months 1.49% 1.50%
36 months 1.64% 1.65%
48 months 1.88% 1.90%
60 months 2.37% 2.40%

*APY=Annual Percentage Yield. Fees may reduce earnings. The minimum balance for a U Save Certificate is $10. You may incur a penalty should you choose to withdraw your money before the completion of the term.

**U Save Share Certificates available only on consumer accounts.